Citizens National Bank Of Greater St. Louis Mortgage Rates, Fees & Info

Maplewood, MO

LEI: 549300RM0VO0UBTMOZ05

Tax ID: 43-0216490

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Citizens National Bank Of Greater St. Louis is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Citizens National Bank Of Greater St. Louis has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: St. Louis, Denver, Baltimore, Kansas City, and Chicago among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)

Citizens National Bank Of Greater St. Louis has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Citizens National Bank Of Greater St. Louis is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.64%	11/17/24
30 Year Conventional Refi	6.32%	11/17/24
30 Year Cash-out Refi	6.15%	11/17/24
30 Year FHA Purchase	6.27%	11/17/24
30 Year VA Purchase	6.03%	11/17/24
15 Year Conventional Purchase	5.77%	11/17/24
15 Year Conventional Refi	5.76%	11/17/24
15 Year Cash-out Refi	5.76%	11/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Citizens National Bank Of Greater St. Louis Mortgage Calculator

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This is not an official calculator from Citizens National Bank Of Greater St. Louis. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

366

Origination Dollar Volume (All Markets)

$103,520,000

Employee count

Awards

Citizens National Bank of Greater St. Louis 30 Year Conventional Loans bronze

Citizens National Bank of Greater St. Louis 30 Year Conventional Loans silver

Citizens National Bank of Greater St. Louis FHA Loans gold

Show all (4) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	334	$92,840,000	$277,964	$2,618	4.35%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	3	$2,155,000	$718,333	$6,250	3.50%
Outside of Metro Areas	7	$2,015,000	$287,857	$2,941	3.82%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	1	$1,135,000	$1,135,000	$4,801	5.05%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	3	$695,000	$231,667	$3,199	3.29%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	2	$600,000	$300,000	$3,260	4.06%
BOULDER, CO (FHA\|USDA\|VA)	1	$545,000	$545,000	$2,792	4.13%
BEND, OR (FHA\|USDA\|VA)	1	$485,000	$485,000	$3,569	3.75%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1	$355,000	$355,000	$3,865	4.00%
GREELEY, CO (FHA\|USDA\|VA)	1	$305,000	$305,000	$2,838	3.50%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	1	$285,000	$285,000	$9,943	4.50%
Key West, FL (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,289	3.63%
JACKSONVILLE, FL (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,019	3.63%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$235,000	$235,000	$2,493	5.75%
Breckenridge, CO (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	5.25%
Warrensburg, MO (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,421	4.63%
Oxford, MS (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	4.90%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	1	$215,000	$215,000	$4,825	3.38%
Farmington, MO (FHA\|USDA\|VA)	2	$200,000	$100,000	$2,294	4.50%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,601	3.50%
Sedalia, MO (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,439	3.88%

Citizens National Bank Of Greater St. Louis's top markets include St. Louis, Denver, Baltimore, Kansas City, and Chicago among others.

Their top states include:

Missouri (FHA|USDA|VA)

Colorado (FHA|USDA|VA)

Maryland (FHA|USDA|VA)

Illinois (FHA|USDA|VA)

Michigan (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Citizens National Bank of Greater St. Louis based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

WEST COMMUNITY
Similarity Rank: 190

United Bank of Union
Similarity Rank: 275

D.W. BROWN MORTGAGE CORP.
Similarity Rank: 302

ELECTRO SAVINGS CREDIT UNION
Similarity Rank: 396

Dieterich Bank
Similarity Rank: 442

CapGrow Home Mortgage, LLC
Similarity Rank: 450

Ozarks Federal Savings and Loan Association
Similarity Rank: 490

ALLTRU Federal Credit Union
Similarity Rank: 780

JERSEY STATE BANK
Similarity Rank: 792

First Mid Bank & Trust
Similarity Rank: 1020

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	327	$96,645,000	$295,550	$2,393	4.38%
FHA	27	$4,715,000	$174,630	$5,715	3.72%
VA	9	$2,075,000	$230,556	$4,008	3.63%
HELOC	3	$85,000	$28,333	n/a	6.00%

For 2019, Citizens National Bank Of Greater St. Louis's most frequently originated type of loan was Conventional, with 327 originations. Their 2nd most popular type was FHA, with 27 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	144	$46,390,000	$322,153	$2,121	4.17%
Home Purchase	128	$34,680,000	$270,938	$3,725	4.44%
Cash Out Refi	86	$22,080,000	$256,744	$2,358	4.28%
Home Improvement	8	$370,000	$46,250	$1,190	5.69%

For 2019, Citizens National Bank Of Greater St. Louis's most frequently cited loan purpose was Refi, with 144 originations. The 2nd most popular reason was Home Purchase, with 128 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	265	$77,475,000	$292,358	$2,839	4.33%
15 Year	53	$13,055,000	$246,321	$2,227	3.59%
20 Year	20	$6,080,000	$304,000	$2,302	4.61%
Other	11	$5,075,000	$461,364	$1,534	5.28%
10 Year	10	$1,120,000	$112,000	$1,127	5.60%
1 Year	4	$640,000	$160,000	$0	5.81%
5 Year	3	$75,000	$25,000	$0	5.00%

For 2019, Citizens National Bank Of Greater St. Louis's most frequently cited loan duration was 30 Year, with 265 originations. The 2nd most popular length was 15 Year, with 53 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	326	$93,020,000	$285,337
$2k-3k	2	$450,000	$225,000
$1k-2k	1	$55,000	$55,000
$3k-4k	1	$285,000	$285,000

Citizens National Bank Of Greater St. Louis's average total fees were $2,839, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 326 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	203	$59,245,000	$291,847
4-5%	95	$26,015,000	$273,842
5-6%	52	$14,160,000	$272,308
6-7%	10	$2,040,000	$204,000
2.5-3%	5	$1,915,000	$383,000
Over 8%	1	$145,000	$145,000

During 2019, Citizens National Bank Of Greater St. Louis's average interest rate for loans was 4.33%, while their most frequently originated rate bucket for loans was 3-4%, with 203 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	150	$43,120,000	$287,467	$2,815	3.93%
$100k-200k	89	$13,065,000	$146,798	$2,685	4.61%
$100,000 or less	56	$3,790,000	$67,679	$2,330	5.18%
$400k-600k	48	$22,370,000	$466,042	$2,343	3.94%
$600k-1MM	16	$11,570,000	$723,125	$2,869	4.30%
$1MM+	7	$9,605,000	$1,372,143	$5,671	4.91%

2019 saw Citizens National Bank Of Greater St. Louis place emphasis on $200k-400k loans with 150 originations, totaling $43,120,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	73	$19,215,000	$263,219	$2,378	4.05%
$150k-250k	73	$24,995,000	$342,397	$2,384	3.98%
$50k-75k	56	$10,310,000	$184,107	$2,868	4.87%
$250k+	53	$26,185,000	$494,057	$2,904	4.32%
$75k-100k	47	$10,415,000	$221,596	$3,075	4.19%
$50k or less	46	$4,940,000	$107,391	$2,993	4.32%

Citizens National Bank Of Greater St. Louis lent most frequently to those with incomes in the $100k-150k range, with 73 originations. The second most popular income band? $150k-250k, with 73 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	93	$26,445,000	$284,355	$2,414	4.03%
30-36%	77	$20,175,000	$262,013	$2,826	4.18%
<20%	37	$13,635,000	$368,514	$2,678	3.81%
39%	16	$4,680,000	$292,500	$2,621	4.41%
43%	14	$4,460,000	$318,571	$2,970	7.02%
42%	13	$3,705,000	$285,000	$2,466	4.27%
40%	12	$2,680,000	$223,333	$2,228	4.21%
37%	12	$3,870,000	$322,500	$2,892	4.18%
38%	10	$2,820,000	$282,000	$2,250	4.13%
44%	10	$1,840,000	$184,000	$2,754	4.21%
47%	8	$1,750,000	$218,750	$2,943	4.30%
41%	7	$1,865,000	$266,429	$2,064	4.33%
48%	7	$1,865,000	$266,429	$3,564	4.64%
49%	7	$1,415,000	$202,143	$3,815	4.38%
45%	6	$1,470,000	$245,000	$3,351	3.81%
36%	6	$920,000	$153,333	$2,399	4.31%
46%	4	$1,250,000	$312,500	$2,988	4.00%
50-60%	4	$840,000	$210,000	$7,453	4.72%
>60%	1	$95,000	$95,000	$0	5.25%

Citizens National Bank Of Greater St. Louis lent most frequently to those with DTI ratios of 20-30%, with 93 originations. The next most common DTI ratio? 30-36%, with 77 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	307	$87,135,000	$283,827	$2,713	4.26%
Not applicable	18	$7,460,000	$414,444	$0	5.47%
Asian	9	$3,005,000	$333,889	$2,252	3.86%
Black	21	$2,245,000	$106,905	$2,911	4.51%
Asian Indian	3	$1,185,000	$395,000	$2,965	4.00%
Chinese	3	$955,000	$318,333	$2,600	4.25%
Filipino	3	$925,000	$308,333	$2,292	3.92%
Vietnamese	2	$610,000	$305,000	$0	5.63%

Approval Rates

Total approvals of all applications
95.01%

Citizens National Bank Of Greater St. Louis has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
87.43%

Citizens National Bank Of Greater St. Louis has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	366	$103,520,000	$282,842

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	5	$5,105,000	$1,021,000
Single Family (1-4 Units):Site-Built	361	$98,415,000	$272,618

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
80-100%	2	$10,000	$5,000	$0	5.00%
Over 100%	364	$103,510,000	$284,368	$2,710	4.32%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	10	4.3%
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Closing on a mortgage	6	2.6%
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Incorrect information on your report	1	0.4%
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Struggling to pay mortgage	20	8.6%
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Trouble during payment process	81	34.8%
CITIZENS FINANCIAL GROUP, INC.	FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	2	0.9%
CITIZENS FINANCIAL GROUP, INC.	FHA mortgage	Closing on a mortgage	3	1.3%
CITIZENS FINANCIAL GROUP, INC.	FHA mortgage	Incorrect information on your report	1	0.4%
CITIZENS FINANCIAL GROUP, INC.	FHA mortgage	Struggling to pay mortgage	1	0.4%
CITIZENS FINANCIAL GROUP, INC.	FHA mortgage	Trouble during payment process	13	5.6%
CITIZENS FINANCIAL GROUP, INC.	Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	11	4.7%
CITIZENS FINANCIAL GROUP, INC.	Home equity loan or line of credit (HELOC)	Closing on a mortgage	9	3.9%
CITIZENS FINANCIAL GROUP, INC.	Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	8	3.4%
CITIZENS FINANCIAL GROUP, INC.	Home equity loan or line of credit (HELOC)	Trouble during payment process	52	22.3%
CITIZENS FINANCIAL GROUP, INC.	Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	1	0.4%
CITIZENS FINANCIAL GROUP, INC.	Other type of mortgage	Closing on a mortgage	4	1.7%
CITIZENS FINANCIAL GROUP, INC.	Other type of mortgage	Struggling to pay mortgage	2	0.9%
CITIZENS FINANCIAL GROUP, INC.	Other type of mortgage	Trouble during payment process	3	1.3%
CITIZENS FINANCIAL GROUP, INC.	VA mortgage	Applying for a mortgage or refinancing an existing mortgage	2	0.9%
CITIZENS FINANCIAL GROUP, INC.	VA mortgage	Struggling to pay mortgage	1	0.4%
CITIZENS FINANCIAL GROUP, INC.	VA mortgage	Trouble during payment process	2	0.9%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Citizens National Bank of Greater St. Louis	11812 Dorsett Road Maryland Heights, MO 63043	Full Service B&M	$56,705
Citizens National Bank of Greater St. Louis	2145 Bluestone Drive, Hwy 94 @ Portwest Drive Saint Charles, MO 63303	Full Service B&M	$24,953
Citizens National Bank of Greater St. Louis	430 St. Ferdinand Florissant, MO 63031	Full Service B&M	$88,840
Citizens National Bank of Greater St. Louis	671 Salt Lick Road St. Peters, MO 63376	Full Service B&M	$38,846
Citizens National Bank of Greater St. Louis	7305 Manchester Avenue Maplewood, MO 63143	Full Service B&M	$152,833
Citizens National Bank of Greater St. Louis	9111 Mackenzie Road Affton, MO 63123	Full Service B&M	$51,975

For 2019, Citizens National Bank Of Greater St. Louis had 6 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$21,889
Net interest income	$16,865
Total noninterest income	$2,204
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$873
Trading account gains and fees	$0
Additional Noninterest Income	$1,331
Pre-tax net operating income	$3,472
Securities gains (or losses, -)	$36
Income before extraordinary items	$3,508
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$3,508
Minority interest net income	$0
Net income	$3,508
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$3,472

Citizens National Bank Of Greater St. Louis's gross interest income from loans was $21,889,000.
Citizens National Bank Of Greater St. Louis's net interest income from loans was $16,865,000.
Citizens National Bank Of Greater St. Louis's fee based income from loans was $873,000.
Citizens National Bank Of Greater St. Louis's net income from loans was $3,508,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$5,024
Provision for credit losses	$4,058
Total noninterest expense	$11,539
Salaries and employee benefits	$6,777
Premises and equipment expense	$1,331
Additional noninterest expense	$3,431
Applicable income taxes	$0
Net charge-offs	$4,979
Cash dividends	$3,813

Citizens National Bank Of Greater St. Louis's interest expense for loans was $5,024,000.
Citizens National Bank Of Greater St. Louis's payroll and benefits expense were $6,777,000.
Citizens National Bank Of Greater St. Louis's property, plant and equipment expenses $1,331,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	7.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	1.0%
HELOC loans	0.0%
All other family	1.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$422,020
Deposits held in domestic offices	$422,020
Deposits by Individuals, partnerships, and corporations	$388,076
Deposits by U.S. Government	$1
Deposits by States and political subdivisions in the U.S.	$33,943
Deposits by Commercial banks and other depository institutions in U.S.	$0
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$84,648
Demand deposits	$61,470
Nontransaction accounts	$337,372
Money market deposit accounts (MMDAs)	$200,822
Other savings deposits (excluding MMDAs)	$2,179
Total time deposits	$134,371
Total time and savings deposits	$360,550
Noninterest-bearing deposits	$90,937
Interest-bearing deposits	$331,082
Retail deposits	$387,752
IRAs and Keogh plan accounts	$18,610
Brokered deposits	$1,010
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$510,032
Cash & Balances due from depository institutions	$12,731
Interest-bearing balances	$7,305
Total securities	$81,247
Federal funds sold & reverse repurchase	$67
Net loans and leases	$400,004
Loan and leases loss allowance	$6,155
Trading account assets	$0
Bank premises and fixed assets	$8,668
Other real estate owned	$0
Goodwill and other intangibles	$570
All other assets	$6,745

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$510,032
Total Liabilities	$454,173
Total deposits	$422,020
Interest-bearing deposits	$331,082
Deposits held in domestic offices	$422,020
% insured (estimated)	$77
Federal funds purchased and repurchase agreements	$15,420
Trading liabilities	$0
Other borrowed funds	$12,000
Subordinated debt	$0
All other liabilities	$4,733

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$400,004
Loan and leases loss allowance	$6,155
Total loans and leases (domestic)	$406,159
All real estate loans	$315,485
Real estate loans in domestic offices	$315,485
Construction and development loans	$23,299
Residential 1-4 family construction	$3,480
Other construction, all land development and other land	$19,819
Loans secured by nonfarm nonresidential properties	$186,048
Nonfarm nonresidential secured by owner-occupied properties	$83,737
Commercial real estate & other non-farm, non-residential	$102,311
Multifamily residential real estate	$17,022
1-4 family residential loans	$85,428
Farmland loans	$3,688
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$86,934
To non-U.S. addressees	$0
Loans to individuals	$3,740
Credit card loans	$0
Related Plans	$20
Consumer Auto Loans	$497
Other loans to individuals	$3,223
All other loans & leases	$0
Loans to foreign governments and official institutions	$0
Other loans	$0
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$0
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

Citizens National Bank of Greater St. Louis had $400,004,000 of loans outstanding in 2019. $315,485,000 of loans were in real estate loans. $23,299,000 of loans were in development loans. $17,022,000 of loans were in multifamily mortgage loans. $85,428,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $497,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	185	$47,132	$254,768
Nonfarm, nonresidential loans - <$100k	26	$835	$32,115
Nonfarm, nonresidential loans - $100-250k	55	$6,384	$116,073
Nonfarm, nonresidential loans - $250k-1MM	104	$39,913	$383,779
Commercial & Industrial, US addressed loans - <$1MM	297	$27,873	$93,848
Commercial & Industrial, US addressed loans - <$100k	175	$4,402	$25,154
Commercial & Industrial, US addressed loans - $100-250k	73	$10,386	$142,274
Commercial & Industrial, US addressed loans - $250k-1MM	49	$13,085	$267,041
Farmland loans - <$1MM	7	$1,288	$184,000
Farmland loans - <$100k	2	$72	$36,000
Farmland loans - $100-250k	1	$164	$164,000
Farmland loans - $250k-1MM	4	$1,052	$263,000